Natural Disaster Risk in Phillips County
Colorado
4.4out of 10
Risk Summary for Phillips County
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Drought Hail Strong Wind
All 18 Hazard Scores
Drought 9.0
Hail 8.0
Strong Wind 5.6
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Avalanche 4.5
Cold Wave 4.5
Ice Storm 4.2
Tornado 4.1
Wildfire 4.0
Earthquake 3.1
Winter Weather 3.1
Lightning 3.1
Hurricane 2.4
Extreme Heat 1.9
Landslide 1.3
Riverine Flooding 1.0
How it compares
Phillips County 4.4
Colorado avg. 5.2
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Cities in Phillips County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.